Consumer Portfolio Services (CPSS) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Consumer Portfolio Services had a P/E ratio of 10.66 (down from 12.11), return on equity of 6.4% (down from 6.8%), debt-to-equity of 11.32 (up from 10.77) and a current ratio of 2.47 (down from 7.53). A current ratio of 2.47 means current assets exceed current liabilities.

Consumer Portfolio Services Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	10.66	12.11	4.36	2.10	5.25	4.41
Forward P/E	7.22	4.92	14.78	14.78	14.63	5.15
P/S Ratio	1.03	1.25	0.92	0.71	1.18	0.52
P/B Ratio	0.67	0.79	0.72	0.79	1.47	0.72
Price/Tangible Book	0.67	0.79	0.72	0.79	1.47	0.72
Price/FCF	0.71	1.00	0.83	0.85	1.27	0.40
Price/OCF	0.71	0.99	0.83	0.84	1.26	0.40
PEG Ratio	0.26	0.26	0.26	0.26	0.26	0.26
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	6.42%	6.77%	18.03%	43.14%	31.31%	12.90%
Return on Assets (ROA)	0.53%	0.60%	1.60%	3.50%	2.21%	0.93%
Return on Invested Capital (ROIC)	0.53%	0.61%	1.63%	3.56%	2.24%	0.87%
Leverage & Solvency Ratios
Debt/Equity	11.32	10.77	9.36	10.84	11.49	14.88
Debt/FCF	12.15	13.51	10.82	11.58	9.97	8.31
Liquidity Ratios
Current Ratio	2.47	7.53	9.80	55.29	62.87	72.44
Quick Ratio	2.36	7.25	9.39	52.25	58.49	67.89
Efficiency Ratios
Asset Turnover	0.05	0.06	0.08	0.10	0.10	0.08
Yield & Distribution Ratios
Earnings Yield	9.39%	8.26%	22.91%	47.54%	19.03%	22.66%
FCF Yield	140.00%	100.37%	119.97%	118.19%	78.57%	249.53%
Buyback Yield	1.00%	3.54%	5.16%	-3.14%	-7.40%	0.25%

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Consumer Portfolio Services Financial Ratios

What is Consumer Portfolio Services's P/E ratio?

Consumer Portfolio Services's P/E ratio was 10.66 for fiscal 2025 (period ended Dec 31, 2025). It was 12.11 a year earlier.

What is Consumer Portfolio Services's return on equity?

Consumer Portfolio Services's return on equity (ROE) was 6.4% for fiscal 2025 (period ended Dec 31, 2025). It was 6.8% a year earlier.

What is Consumer Portfolio Services's debt-to-equity ratio?

Consumer Portfolio Services's debt-to-equity ratio was 11.32 for fiscal 2025 (period ended Dec 31, 2025). It was 10.77 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition